What "EIN only" usually means
Most offers marketed that way are credit-builder products, secured cards or vendor trade lines — useful for building a business credit file, but not capital.
Genuine EIN-only lending at meaningful size generally requires substantial revenue history and collateral.
What is actually read here
The personal score of the majority owner, and three months of business bank statements.
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
Building the business file anyway
A DUNS number is free, and paying reporting trade lines on time builds a PAYDEX score. It changes what you can get in two years, not this month.
Questions
Can I get funded with just an EIN?
Not here. The personal score of the 50%+ owner is read alongside the statements.
Do you check business credit?
Personal FICO is what the tiers reference.
What credit score do I need?
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.